Hello to the community!

Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (-1,03%) and $XMME (+0,28%) to make everything a bit more diversified!

I also bought a few individual stocks. My favorites are $1810 (+2,88%) (has gone very well for me personally so far) and $TTWO (-0,04%) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)

How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (-0,91%) ?

I'm already looking forward to your reviews!

For my Blackrock shareholders 🫶🏾$BLK

Hello to the community ✌️

I am new to this platform and would like to introduce my portfolio to you. I am more or less a newbie on the stock market. During the first corona lockdown, I started to get involved with the stock market. Towards the end of 2021/beginning of 2022, I opened my portfolio. I watched a lot of YouTube videos, read books and looked into finfluencers. Since then, I have been diligently buying and selling shares. Of course, I also had to learn a lot - and after three years of "stock market experience" I'm still paying, but fortunately not as much!

I recently discovered the Getquin platform and have been diligently reading posts and comments here. I'm curious to see what the more experienced among you have to say about my portfolio. I hope to gain a lot of added value from the platform and am therefore looking forward to numerous tips and suggestions for improvement.

Before I became intensively involved with the stock market, I had already saved a certain amount of money. Originally, this money was intended as equity for a condominium. But then came the coronavirus crisis, and during the first lockdown I decided to "spend" it on the stock market instead.

At first, like probably many beginners, I randomly bought whatever YouTubers and finfluencers recommended - without any real knowledge or experience. A good friend told me at the time: "Invest all your money in the $IWDA (-1,03%)
and just let it run." But I had skepticism, fear and a lot of "But, but, but..." in my head. That's why I initially only invested a portion and later switched to the $VWCE (-0,92%) to achieve a broader diversification. At the same time, I regularly bought and sold individual shares, etc....

Initially, my focus was strongly on dividends and dividend yields, but since last year I've been increasingly concentrating on growth stocks, so I haven't bought the $VWCE (-0,92%) not bought any more for the time being. I want to change that over time and weight the ETF even higher

My current portfolio:

It currently consists of 36 positions:

- 1 World ETF

- 35 Individual stocks

I would like to reduce my portfolio to 30 positions or fewer in order to be more focused.

My strategy:

I plan to hold approx. 18-20 shares as growth stocks as growth stocks. The remaining positions should be dividend growth stocks be dividend growth stocks.

The technology/semiconductor sector has been weak recently (apart from Palantir), but I am convinced that it will outperform the market over the next few years. I would therefore like to hold this sector with 30-35% of the portfolio of the portfolio.

$PLTR (-3,33%) is my largest position, but I have been thinking about liquidating it for a few weeks now because the valuation now seems to me to be beyond good and evil. However, I am actually a friend of letting profits run.

With REITs I'm still undecided as to whether I should liquidate them or keep them for diversification.

$DHR (+1,24%) Over time, I would like to replace$SYK (-0,56%) but no suitable opportunity has yet arisen.

$NOVO B (+5,32%) , $ASML (-0,72%) , $ALV (-0,14%) and $MC (+0,4%) should cover my European block. With these 4 stocks, I am optimistic that things will pick up again in the near future.

Planned portfolio allocation for the next few years:

TECHNOLOGY / SEMICONDUCTORS 30%

HEALTH 20%

FINANCES 15%

CONSUMER GOODS 15%

CONSUMER STAPLES 10%

INDUSTRY 5%

REITS 5%

I am looking forward to your tips and opinion, and maybe you have any stocks to add to my portfolio🫡 and sorry for the full text 😅

Have a nice evening 😬

Hi Community,

I am in the process of restructuring my portfolio of around €120k and adjusting the savings plans accordingly - I would like to hear your opinion on this and use the swarm intelligence. My target portfolio should look like this in a few months, the savings plans should be adjusted and probably rebalanced 1x-2x per year:

• 42.5% MSCI World $IWDA (-1,03%)
• 42.5% S&P500 $XSXD (-1,13%)
• 10% gold $IGLN (-0,55%)
• 5% BTC $BTC (+0,75%)

Briefly about me: investment horizon 30+ years, prefer distributing ETFs from a tax perspective (Austria), am already diversified across investments with bonds and a property

The clump in the USA is quite intentional - the majority of US companies in the indices operate worldwide, which is of similar importance to me as the location of the companies. I deliberately decided against an emerging market ETF because I have confidence in the developed countries and do not foresee the USA losing its supremacy in the distant future.

Would you share this view or change it (e.g. leave out the S&P500 and put 85% in the World?)?

$CSPX (-1,14%)
$SPY (-1,26%)
$CSNDX (-1,63%)
$IWDA (-1,03%)
$ISAC (-1,03%)
$WSML (-1,32%)

found an interesting comparison, I wonder if that's the case ? 🧐🤔

I don't think so, what do you think?

Otherwise it could get pretty uncomfortable 😬

After some back and forth, I think I have now found what I want to save for the long term and securely.

10 euros go into Bitcoin every Monday

$IWDA (-1,03%) 100 per month

$TDIV (-0,63%) 100 a month

$O (+1,37%) also 100 per month

$SGBS (+0,3%) 100 per month

$NU (-11,11%) is a test balloon with a small position. Let's see what happens.

The aim is to generate both growth and cash flow in the long term (10 years).

The savings rate of $O (+1,37%) is increased monthly by the dividend. The 1/4 annual distributions from the $TDIV (-0,63%) are also increased by the dividend in the savings plan.

Probably very boring, but I think that's ok for me.

I still have 300 euros a month at my disposal that can be invested if there is a dip.

Should the $SGBS (+0,3%) remain tax-free permanently after a holding period of one year, you could switch 1 year before retirement to be able to withdraw tax-free.

Could

have $HIMS (-26,15%) and $AMZN (-2,39%) and $NVDA (-3,63%) sold too early, but still made a profit.

Since individual stocks are somehow too stressful for me, and I don't have any nerves when things go down, I stick with ETFs.

Have a nice weekend Carsten

PS the return figures for Getquin are somehow no longer correct since I switched to TR. :-(

My portfolio has made a good start to the new year, up around 2.5% (as at the time of writing). I also think the overall position is quite okay. I'm currently enjoying individual shares more, which is why I'm not quite happy with my 70/30 ETF/share strategy. However, my savings plans are still the same.

$IWDA (-1,03%) 70%

$XMME (+0,28%) 30%

I also save $1810 (+2,88%) with a small savings rate.

However, I am currently considering diversifying the Chinese market with $1211 (+2,45%) .

In addition $ELF (+5,42%) the last few days, as I expect a good return there due to the sell-off, which was actually not so bad and in my opinion too strong. But as I said, this is pure speculation.

My next goals are the 5k which I will probably reach this year with my savings rate. That's why I've raised it to 10k =)

Feel free to write your opinion on the portfolio or my approaches, as I said I am not a professional but rather a beginner ; )

Hey everyone,

For some time now I have been dealing with the topic of crypto, especially $BTC (+0,75%) . A lot has been happening here recently, see for example $MSTR (-6,56%) . What has given me food for thought, however, are some states in the US that are apparently on the verge of building up BTC reserves.

I had therefore thought about reorganizing my current savings rate a little, I am currently saving $IWDA (-1,03%) with €300 per month. However, I would also be interested in a $BTC (+0,75%) savings plan, so that the €300 savings rate is split between the two and you start small with €50 per month, for example.

What do you think? 😄

Would it be better to bluntly build up some portfolio value via the ETF or spread it out a bit and take BTC with you?

Thank you for your feedback!

Herewith I present my portfolio again. I am of course open to suggestions for improvement!

Briefly about me: I am 21 years old, still live with my parents and work as a system administrator.

I'm currently looking for a new car, so €20,000 of the €22,500 cash will probably disappear.

Due to the fact that I still live with my parents, my savings rate is around €1500. By saving for the new car, the savings installment that will be invested amounts to "only" €500.

350 per month currently goes into the savings plan $IWDA (-1,03%) and 150€ into the $AE5A (+0,29%)

In addition, "another" €60 goes into the building society savings contract, and €70 goes into the Riester pension on the $UIVD (-0,69%) I also have a BAV, here the savings rate is €40.

Now I had the following idea: Close the building society savings contract and invest in $BTC (+0,75%) and invest in the World ETF? What do you think of this suggestion?

I'm also currently undecided about what to do with the smaller positions >€500.

Thanks for reading and have a nice evening! :)